Protecting Your Home from Winter Weather

Winter weather in the greater Shelton, CT area can be pretty brutal, and now is the time to start preparing. When you have a comprehensive homeowner’s policy you can rest assured that your home is protected no matter how severe the winter is. The team at Goodman Insurance Inc. is here to ensure that you have adequate coverage for this winter season. This is also a great time to do a pre-winter inspection and make sure that your home is ready for the ice, cold, and snow!

Protect Your Home Now Before Winter Weather Starts

It’s difficult to tell exactly what winter is going to bring beforehand, and that’s why it’s always a great idea to make sure you’re ready! In addition to meeting with your local agent to review your policy for completeness, there are a few steps you can take around the house to get prepared.

  • Trim back any branches near to your home or garage – high winds, ice, and heavy snow increase the chance of branches breaking and causing damage. Make sure that your trees are all properly trimmed before the cold weather starts.
  • Have your roof and gutters inspected. Remove loose shingles, clear out any clogs, and make sure gutters are secured.
  • Give your furnace a once-over, clear chimney of any debris, and make sure ventilation systems are ready to go.
  • Drain sprinkler systems and shut them down for the season to prevent frozen pipes and damage to the overall sprinkler system.

Let’s make sure that your home insurance has the protection you need before the winter weather starts! If you are in the greater Shelton, CT area, call or stop by Goodman Insurance Inc. today and find out how a comprehensive homeowner’s policy can protect your family home.

Can you Use Commercial Insurance to Cover the Cost of Inventory Damaged by Customers?

Owning a commercial business can be very rewarding but it can also end in plenty of issues when it comes to customer damages. For those that live in the Shelton, CT area, the agents with Goodman Insurance Inc. can help you to find the best insurance for your needs.

Commercial insurance is something that is very important and that does make a big difference in the way that you are able to run your business. Keeping this in mind, your commercial policy does help to keep you covered in cases where your inventory or your store is damaged by customers. Your commercial insurance policy will cover damages that are caused by customers if you are able to document the damage, show it to an insurance adjuster and that you can also show that the damage was caused by customers and not by yourself.

It is always best to speak with an insurance agent to see just what needs to be done and what you do need to do in order to get your store or business fully covered. There are some limits to what you can claim in terms of damages by customers and speaking with an agent is going to help you to determine what you can claim and what other coverage you might need to make sure your business is fully covered. You can claim damage to inventory, damage to the building itself or the store itself, damage to things like displays and other elements in the store.

For those that do live in the Shelton, CT area, the agents with Goodman Insurance Inc. can help you to find the best coverage for your business and can help you to determine what coverage you need.

Make life insurance a part of your financial portfolio

An investment portfolio should have diversity and different types of financial tools to help you meet your goals. Many investors in the greater Shelton, CT area are adding life insurance policies to their portfolios to provide greater diversity and reduce their exposure to market risk. The team at Goodman Insurance Inc. has the answers to your life insurance questions and is here to help you decide if this step makes sense for your financial portfolio.

Life insurance can provide many benefits to your financial portfolio

Term life provides the basic death benefit that you need to make sure that your final expenses are covered. And other types of life insurance such as variable, whole life, and universal can help to diversify your financial portfolio. These policies combine financial investment with a death benefit and offer other important features that can be useful during your life.

As your policy gains value you may also have the option to withdraw all or part of the growth for expenses such as college tuition for your children or to help fund your retirement. Your agent is able to advise you on the various types of policies and which one makes the most sense. Your financial goals become more important as you age and your working years become lower, why not find out about all of the options that are available to help you meet them? Life insurance policies have the potential to provide a lot more than just a death benefit for your family, they can also help make your life better. 

Ready to find out more about adding life insurance to your financial portfolio? Contact Goodman Insurance Inc. today and learn more about how life insurance is helpful for clients in the greater Shelton, CT area.

Do All Homes Need Insurance

Yes, absolutely all homes need insurance. Why? Because you never know when something could happen to your home. In some of life’s most vulnerable moments, knowing you have home insurance can provide an extreme amount of peace of mind. Here at Goodman Insurance Inc. serving the Shelton, CT area, we want to make sure that you understand the importance of having home insurance. To help you understand, we’ve put together a list of reasons why you need insurance on your house. 

Lender Requires It

In most cases, if you take out a mortgage on your house, then your lender is going to require that you have home insurance. This way, if something happens to the house, you will still have money to pay off your loan. You should always speak with your lender about your insurance requirements. Regardless if you have a loan on your house, though, it’s still a smart choice to keep yourself protected with insurance.

You Never Know What Could Happen

What would you do if a natural disaster occurred or if someone burglarized your home? Would you have the funds to repair your house? With insurance, you can rest easy knowing you are protected under certain circumstances. For a better understanding of what insurance does and does not cover, always speak with an insurance agent about the specifics of your policy.

To put it simply, yes all homes need insurance. Contact Goodman Insurance Inc. serving the Shelton, CT area today. You can speak with one of our professional insurance agents to learn more about the advantages of home insurance and about creating a policy that fully covers all of your needs.

Home Business? Why You Need Commercial Coverage

Home businesses need insurance protection just as much as other “brick and mortar” enterprises. Home or renter’s insurance won’t protect your business equipment or provide liability coverage to protect your business assets if a client has an accident and gets injured while visiting your home for business purposes. At Goodman Insurance Inc. we can guide you to the appropriate insurance coverage to protect your Shelton, CT home-based business. Here’s why you need commercial insurance if you’re running a business from home.

Protection for Your Business Equipment

If your home business requires the use of business equipment like computers, printer, fax machine, office furniture, etc., you need business property insurance to protect these assets. Home insurance isn’t designed to protect business equipment or products. If your business equipment gets damaged in a fire or flood due to faulty plumbing, commercial property insurance will cover repair or replacement costs.

Protection against Lawsuits

If you have clients coming to your home for business purposes, you need commercial liability insurance to protect you against accidental injuries clients may sustain while on your property. Accidents happen all the time. If you’re found liable for an accident, a client can sue you for damages. Liability insurance protects your business assets by covering the legal fees of prospective lawsuits.  

If your home business makes products or supplies products to the public, product liability coverage will protect you against damages your product may cause to customers due to faulty manufacturing or design.

Protection for Your Employees

If your home business employs one or more workers, you may need worker’s comp to protect your workers against injuries on the job. Worker’s comp also covers lost wages so your employees will have financial support while recuperating from their accident.

For more information on commercial insurance coverage and costs, contact Goodman Insurance Inc. in Shelton, CT.

3 Types of Commercial Insurance

Running a business requires that you protect this valuable asset with commercial insurance. Getting commercial insurance in Shelton, CT is easy when you use a reputable agent. Read on to learn about three types of commercial insurance your business may need.

1. Commercial Auto Insurance

A commercial auto insurance policy in Shelton, CT will protect both your business and your employees regarding any accident that may occur on company time using a company vehicle. For example, if an employee sustains and injury while using a company vehicle, the commercial auto insurance policy will cover the results of the accident, including any damage to the business property.

2. Terrorism Insurance

If you haven’t heard of terrorism insurance, now is the time to pay attention. This special addition insurance can be added to your standard commercial insurance policy, which does not cover any acts of terrorism against your establishment that may result in losses. In the event of a major terrorist attack, this policy will allow for the sharing of rebuilding your business by the insurance policy and the federal government. 

3. Commercial Property Insurance

This type of policy is used to cover any type of commercial property from fire, theft, and natural disasters. It’s important for any type of business to carry this type of policy. Whether your organization is a manufacturer, non-profit, or service business, protecting your commercial property is essential for the longevity of your business.

To learn more about different types of commercial insurance, contact the team at Goodman Insurance Inc. The friendly and knowledgeable agents will answer all your questions and concerns and help you purchase the right commercial insurance policies for your business. Contact Goodman Insurance Inc. serving Shelton, CT today at 203-924-2515.

 

 

How Commercial Insurance Can Protect Your Business

Commercial insurance can protect your business in Shelton, CT in a variety of ways. It’s important to have a policy that has been customized to meet your needs. This way, you will have the coverage in all areas.

At Goodman Insurance, Inc., we can tell you that there are a lot of different types of commercial insurance policies that can protect your business. However, what makes you unique is critical to ensuring that you have all of the right policies. Leaving a single policy out can end up leaving you extremely vulnerable.

Ultimately, the reason to have commercial insurance is so that you protect your business against financial downfall. If there is a theft, your inventory can be restored. If there is an accident, the insurance will cover the majority of the damage. If someone gets hurt on your property, their medical bills will be covered by insurance as opposed to your profits.

You will want to look at the various types of commercial insurance that are needed. The most common ones include property insurance, liability, and workers compensation. You may also want to explore business interruption insurance as it will provide the necessary income when your business is closed for days, weeks, or months because you cannot get into the building.

If you have several company vehicles out on the road in Shelton, CT, commercial auto insurance is a must, too.

You never want to get into a situation where the insurance company could deny a claim. By having plenty of coverage, you are only responsible for the deductibles. It can save you a significant amount of money and ensure that you don’t have to close your doors because of a lack of funds.

Learn more about protecting your business by contacting one of our independent insurance agents at Goodman Insurance, Inc.

 

Can Life Insureance Save Your Business In Case Of A Tragedy?,

It’s never fun to think about your own mortality. As a business owner, though, to disregard the possibility of an unforeseen tragedy is irresponsible. Not only do you have to protect your business assets, but you have to protect the livelihood of those who rely on you in Shelton CT. You can soften the blow by using a life insurance policy as protection, though. Here’s how your business can be saved with a simple Goodman Insurance Inc. policy.

Personal Life Insurance

What does personal life insurance have to do with business, you may ask.

This standard type of life insurance policy has nothing to do with your business directly. However, it can make a huge difference in the aftermath of unforeseen circumstances.

For instance, in the case of your death, your life insurance policy payout can allow your family members to run your business without interruptions while they figure out what their next move should be.

Alternately, if your relatives are forced to sell your business, they can use the policy coverage to live off of in the meantime. They can also sell your company in less-than-ideal circumstances instead of waiting for the perfect buyer or a better market.

Key Person Life Insurance

If you’re hesitant about mixing business with personal finances, you can invest in a key person life insurance policy.

This type of life insurance is directly tied to your company. Also, your policy can cover multiple people within your company.

A key person policy pays out if a covered member passes away, leaving behind their shares and responsibilities.

This is the best form of life insurance if you have a business partner. Should one of you pass away, your policy would make a payout to your company rather than to the other individual.

The money can be used in any way that’s relevant to the business. For instance, your partner can hire someone to take over your responsibilities. Also, he can use it to cover severance pay and other expenses if he finds it necessary to sell the business.

Are You Ready To Secure Your Business With Life Insurance?

If your small business in Shelton, Ct needs a life insurance policy safeguard, call your friendly Goodman Insurance Inc. agent. He or she will gladly go over your options with you, so you can make the best-informed decision to protect your assets.

 

Spring Cleaning Tips That Positively Impact Your Homeowner’s Insurance Premiums

Spring in the Shelton, CT area is a great time to clear out your living space. But did you know your spring cleaning could also help lower your homeowner’s insurance premiums? Use these tips from Goodman Insurance Inc. for a cleaner, safer home this spring.

  • Clean out the lint hose on your dryer. Dust and dirt get trapped in the folds. When the cycle is started, this debris can get kicked up and land in the engine, which could spark a fire.
  • Change the batteries in your fire and carbon monoxide alarms. Test them to ensure they are working properly. If not, get them repaired or buy a replacement.
  • Inspect the seals around doors and windows. These tiny cracks can allow harmful pathogens into your home. These can aggravate your allergies, encourage the growth of hazardous molds, or make your existing respiratory condition worse.
  • Review your homeowner’s insurance policy with a professional agent to ensure you have the right coverage for your property.
  • Clean or replace your HVAC filters. Keeping a clean filter protects your system’s motors and prolongs the life of your equipment.
  • Have your air conditioning unit professionally serviced. This will prevent the buildup of mold in your air ducts.
  • Inspect your yard for damages caused by winter weather. Repair pits, holes, and cracks in your lawn and cement to prevent accidental injury.
  • Clear your gutters and rain spouts of dead leaves and other debris that can cause clogs. If left unaddressed, this can cause water to become trapped on your roof, which contributes to rotting tiles and other damage.

Goodman Insurance Inc. serves the insurance needs of residents in the Shelton, CT area. Let us know how we can help you prepare for the warmer weather with high-quality homeowner’s insurance.

A Guide to Commercial Insurance

Commercial insurance protects your business from different risks. Businesses face a lot of different risks, depending on the industry, and many businesses interact with the public, which leads to more risk. Businesses should have a variety of insurance coverage plans to help mitigate their risks.

There are different kinds of commercial insurance to consider. An agent at Goodman Insurance, Inc. can help you find the right coverage for your industry. Commercial property insurance will help protect not only the property from natural and man-made disasters but also the equipment and furnishings that are in the building. General and product liability insurance will be useful for those who work in the public sector and cover any compensation costs and legal fees that are needed for third party injury or damage, due to your services, products, or an accident on your premises. This type of insurance is common for every business because it covers a variety of things, including injuries, damage, and legal expenses.

Management and professional liability insurance is useful for situations where there is negligence on the part of the company and the company has failed to deliver the promised results. Cyber liability can also be linked to this and is used to cover any costs that come with having sensitive client data compromised. Workers compensation insurance is required in Shelton, CT and covers any employee’s injuries that happen on the job. Business continuation insurance can cover your business if it needs to shut down during a specific time period. A commercial umbrella policy is for additional coverage if one of your policies doesn’t provide enough insurance protection. Some insurance companies will also provide package policies, so business owners can get a variety of insurance coverage that suits the specific needs of the business.

Contact Goodman Insurance, Inc. serving Shelton, CT to get a quote on commercial insurance.